Forward card

A smart choice if you’re new to credit cards or want to improve your credit rating.

Check if you’re eligible

Making lots of credit applications can make your credit rating worse.

Use our free eligibility checker before you apply to find out whether your application is likely to be accepted for a credit card.

It only takes a few minutes and it won’t affect your credit rating.

Barclaycard Forward card example

Your Barclaycard Forward at a glance

  • A personalised credit limit between £50 and £1,200
  • 0% on purchases in the first three months after you open your account
  • With our price promise, you’ll get a 3% reduction in your interest rate if you make your payments on time for the first year. If you keep it going in the second year, we’ll give you another 2% reduction. Have a look at the ‘How does the price promise work’ section below to find out more
  • Manage your account with text or email alerts when your balance is due. It’ll help you track your spending and build your credit score
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

The approval of your application depends on your financial circumstances and borrowing history.

What do these rates mean?

Summary of rates        Terms and conditions [PDF, 316KB]

Apple Offer T&Cs


Barclaycard Forward card example

Representative example

Representative 33.9% (variable)

Purchase rate p.a. 33.9% (variable)

Based on credit limit of £1,200

Important information

Benefits of your Barclaycard

Stay entertained with Barclaycard

Buy your tickets through Barclaycard Entertainment and get 5% off selected events, 10% off presale tickets and savings on food and drink.

One simple fee abroad

Use your Barclaycard for a simple and secure way to pay overseas. With access to an emergency replacement card or cash, it’s the perfect travel companion.

Fraud Protection 24/7

Whether you’re buying on the high street, online or overseas, our detection system means you’ll be protected from fraud.

Free additional cardholder

Share your card with someone close to you for flexibility when you’re not around – handy for emergencies or things like your weekly shop. (Terms apply)

Before you apply

Apply online in four easy steps and we’ll respond in one minute. If approved, your Barclaycard could be with you in five working days.

You can apply if

You’re 18 or over

You haven’t been declared bankrupt in the past six years, and you don’t have more than one County Court Judgement

You’ve had a permanent UK address for at least two years

You’re employed, with an income of more than £3,000 a year

What you’ll need to hand

Your address details for the last two years

Phone number and email address

Current employment details

Your annual income figure, before tax

A good idea of your monthly outgoings

Main bank account sort code and account number

You may need to provide copies of your last two bank statements or payslips, once your application has been accepted

Before you go ahead, make sure you’ve read our summary of rates and terms and conditions [PDF, 316KB].

Not the card for you?

Balance transfer credit cards

If you transfer an existing balance from another credit card or store card to a Barclaycard, you could save on interest fees.

Rewards credit cards

Get cashback on your everyday spending, with no limit on the amount you can earn.

Purchase credit cards

From holidays and home improvements to everyday spending, spread the cost with a low interest rate on all purchases.

Contact us if you’re having difficulty understanding

If you have mental or physical health conditions or learning disabilities, we can give you more support.

If you’d like to talk to us, please call 0800 056 3486. We’re open 9am to 5pm Monday to Friday, and 9am to 4pm on Saturday.

Apply for the Barclaycard Forward

Use our eligibility checker to find out if your application could be accepted. This won’t affect your credit rating.